Shashi had to buy commercial insurance to buy to pay the three strong risk Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

The upcoming July 1 start of the cross-strong insurance owners and drivers of the implementation of the Ordinance to become the focus of attention, many newspaper readers into hotline for consultation.

Q: bought a cross-strong if not buy another insurance risk?

A: The cross-strong insurance refers to insurance companies, the insured motor vehicle road accidents occurred, causing the vehicle personnel, other than the insured person the victim's personal injury, property losses, compensation within the limits of liability of the compulsory liability insurance .

Strong cross-sub-limit of insurance is, in the case of the driver at fault, death and disability compensation limit of 5 million, compensation for medical expenses limit for 8000 yuan, and property damages limit of only two thousand dollars. Overall, this limit is relatively low, therefore, business owners should not only be purchased separately these three risks, but also according to their own needs, appropriate to purchase Chesun Xian, Daoqiang Xian, car seat liability insurance, broken glass, a separate insurance, scratches insurance.

Q: have to buy commercial time to buy insurance to pay the three strong risk?

A: According to cross-strong insurance provisions of the Ordinance, motor vehicle owners, managers should begin July 1 date of implementation of the Ordinance, in the insured motor vehicle within 3 months of compulsory traffic accident liability insurance. But before the three insurance business of insurance, can go to business again when the expiry of the three insurance motor vehicle traffic accident liability insurance compulsory insurance, but must be onboard commercial three insurance policies to prepare for traffic police checks.

Motor vehicle traffic accident liability insurance, compulsory insurance period for 1 year. However, there are some special cases of vehicles, such as the temporary entry of foreign motor vehicles, temporary roads for motor vehicles, from the provisions of scrapped vehicles for less than a year, its policyholders to pay strong short-term insurance can be insured. In addition, the insured motor vehicle transaction, the motor vehicle buyers and sellers in the transfer of the traffic control department in formalities, it should be paid to the insurer-strong motor vehicle insurance contract change procedures.

Q: Under what circumstances an insurer to advance obligations?

A: According to Article 22 of the Ordinance provides that the driver did not obtain a driver's qualifications, or a drunkard, was looted during the insured motor vehicle accident, the insured person deliberately creating road traffic accidents and personal injury caused by the victim, have been the insurer may require the insurer to advance first. Advance there is a premise: insurance company "received notice of the traffic control department, and after checked." Advance limit for the cost of 8,000 yuan for the rescue costs of insurance companies have the right to advance to the virulence of people recover.